Finding Health Coverage In Missouri
When you rely on FirstQuote Health to find affordable health coverage in Missouri the process is easier than you think. We’re here to help you find plans that work for you and your needs. We’ll help you look over all of the details and provide you with the guidance you need to make the right decision for your health.
Coverage available in your area may vary by county, so it’s important you provide us with accurate information about where you live in Missouri.
Whether you’re looking for an HMP, PPO, or you just don’t know: we can help you find the coverage you need and put you in touch with insurance experts in Missouri and they’ll get you signed up with a plan.
Missouri Open Enrollment Dates
Missouri’s Open Enrollment Period happens once a year, and is the time when all residents can enroll in qualified health plans without worrying about being denied coverage. When the Affordable Care Act (ACA) passed, states had the option to create their own marketplaces and exchanges, or participate in the federal marketplace, Missouri chose the latter. For that reason, Missouri’s Open Enrollment coincides with the federal period, and runs through the following dates:
- November 1 - January 15
For some, Missouri’s health insurance marketplace offers the most comprehensive and affordable coverage options. The reason being, when companies offer their plans on the exchange, they are required to follow certain rules and standards set under the Affordable Care Act. One of these rules is not denying or charging people more for their medical insurance based on medical history. So, if you, or anyone on your policy has pre-existing or chronic health conditions, the marketplace may be your best bet.
Another benefit to enrolling through Missouri’s health exchange is being eligible for subsidized coverage. Depending on your income, you may qualify for government subsidies or premium tax credits that can save you money on healthcare costs. If you qualify, the marketplace is also where you can apply for Missouri’s Medicaid program.
Missouri Health Insurance Quotes
The Affordable Care Act was the most exhaustive overhaul of the US healthcare system in recent years. There’s no denying that it lowered the uninsured rate in the country, and put health insurance in reach for millions of Americans for the first time. However, for anyone who doesn’t qualify for subsidized coverage, the marketplace became too expensive, which is why many began to turn to the private sector.
FirstQuote Health specializes in helping people in Missouri find the most affordable health insurance quotes. Plans and pricing aren’t the same across the country, or even each state, so by entering your zip code you’ll see the most accurate quotes in your area. You can even talk to an experienced agent with no obligation, who can help you find the perfect plan. By getting started now, you can get coverage for you and your family as soon as today.
Coverage From Missouri’s Best Health Insurance Companies
Not everyone wants to spend their time shopping around and comparing plans, which makes sense. The process can be both overwhelming and time consuming. If you’re already happy with your current coverage, or have a provider in mind, then you can just enroll directly with one of the best health insurance companies in Missouri. Popular options include the following:
- Aetna
- Anthem
- UnitedHealthcare
Before enrolling directly with one of Missouri’s top health insurance companies, it’s important to highlight the potential drawbacks you may face. When you don’t compare your options, you may end up overpaying for coverage that doesn’t fit your needs. Remember, everyone’s healthcare needs are different. Meaning, just because you recognize the name or an insurer has a great reputation, doesn’t mean that it’s the best fit for you.
Make sure to do your homework, even if it’s just for a couple of minutes. A quick search online will pull up plenty of reviews from current and past members who were willing to share their experiences. You can also read up on different companies through trusted review websites, like FirstQuote Health, before making your final decision.
Frequently Asked Questions
How To Get Health Insurance in Missouri?
Comparing plans from several companies while shopping for new medical insurance is the greatest way to ensure you get health insurance in Missouri. By comparing guidelines, you can observe which companies give greater attention to your region and age. Then, based on your requirements and specifications, you can select the policy that is most appropriate for you.
Is Health Insurance Mandatory In Missouri?
Health insurance is not mandatory in Missouri as of 2019. When the Affordable Care Act (Obamacare) passed, it created the individual mandate, a piece of legislation that required all Americans to have health coverage or face a tax penalty. The mandate was essential in keeping Obamacare alive, as it created a larger risk pool to offset the high costs of insuring pre-existing conditions. However, making health insurance mandatory was not received well by all, with opponents of the ACA even going so far as to say it was unconstitutional.
When President Trump took office, he tried to make good on his promise of repealing and replacing Obamacare. After a handful of unsuccessful attempts, Trump took a different approach by signing an executive order the eliminated the individual mandate in 2019. The move was seen by many as an attempt to undermine Obamacare. Some states fought back by creating their own mandates, but Missouri was not one of those states.
Are There Short-Term Health Insurance Options in Missouri?
Short-term plans are available to Missouri residents. Since each state is in charge of establishing its standards for short-term health insurance, restrictions may alter the short-term health insurance from time to time.